America's Wealth Management Show

Retirement Income Strategy: How Much Do You Need?

Educational Tool: Access the Retirement Plan Checklist to benchmark your current 401(k) and Social Security strategy against 2026 inflation. [https://bit.ly/4v5sg72] Topical Deep-Dive: Visit the Modern Wealth Education Center for peer-reviewed instructional content on withdrawal strategies and tax-efficient portfolio design. [https://bit.ly/4v5sg72] Fiduciary Consultation: To move from education to a personalized Financial Independence plan, you can Schedule a Meeting with our CFP® and CPA team. [https://bit.ly/414z2fJ] A sustainable retirement income strategy for 2026 involves calculating the "post-retirement cash flow" deficit—the difference between total desired spending and guaranteed income sources like Social Security or pensions . To bridge this gap, retirees should consider utilizing a "three-bucket" framework that organizes assets into safe (1–2 years), moderate (3–7 years), and growth (10+ years) categories to ensure immediate liquidity while protecting against sequence of return risk. This analysis, featuring Dean Barber and Neal Falkenberry, CFA, details the shift from the near-zero interest rate environment of the previous decade to the 2026 landscape where taxable bonds yield 4–5% and tax-free municipal bonds offer approximately 3.5%. We explore the impact of the One Big Beautiful Bill Act, specifically the senior deduction that allows married couples over 65 with a gross income of $140,000 to qualify for a 0% capital gains rate. Furthermore, we address Medicare IRMAA (Income Related Monthly Adjustment Amount) surcharges, which increase premiums for those with a Modified Adjusted Gross Income (MAGI) exceeding $210,000. Sources: Presented by Dean Barber and Neal Falkenberry, a Chartered Financial Analyst (CFA) and Managing Director at Modern Wealth Management. This presentation emphasizes the fiduciary standard, providing objective education to combat high-commission financial sales tactics. This content was reviewed by internally to ensure compliance with tax law changes and fiduciary standards. How Americans are feeling about their finances as they age https://www.pewresearch.org/social-trends/2025/11/06/how-americans-are-feeling-about-their-finances-as-they-age/ [https://www.pewresearch.org/social-trends/2025/11/06/how-americans-are-feeling-about-their-finances-as-they-age/] Three Major U.S. Stock Indices (1990 -2000): https://www.researchgate.net/figure/Three-Major-US-Stock-Indices-1990-2000_fig2_272661669 [https://www.researchgate.net/figure/Three-Major-US-Stock-Indices-1990-2000_fig2_272661669] Sequence of Returns Risk and Why Timing Matters: https://www.modwm.com/sequence-of-returns-risk-and-why-timing-matters/ [https://www.modwm.com/sequence-of-returns-risk-and-why-timing-matters/] 2026 Tax Brackets: https://taxfoundation.org/data/all/federal/2026-tax-brackets/ [https://taxfoundation.org/data/all/federal/2026-tax-brackets/] The Great Recession - December 2007-June 2009 https://www.federalreservehistory.org/essays/great-recession-of-200709 [https://www.federalreservehistory.org/essays/great-recession-of-200709]

Tax Extensions: Do You Need to File One?

Education center: https://bit.ly/4boCDv9 [https://bit.ly/4boCDv9] Retirement Plan Checklist: https://bit.ly/47JolTm [https://bit.ly/47JolTm] Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1 [https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1] https://youtu.be/KN5tIHSo3sY?si=I8fyj_cp_uz8sw_o [https://youtu.be/KN5tIHSo3sY?si=I8fyj_cp_uz8sw_o] Sources: https://www.irs.gov/forms-pubs/about-schedule-c-form-1040 [https://www.irs.gov/forms-pubs/about-schedule-c-form-1040] https://www.modwm.com/how-filing-for-a-tax-extension-works/ [https://www.modwm.com/how-filing-for-a-tax-extension-works/] https://www.irs.gov/payments/failure-to-file-penalty [https://www.irs.gov/payments/failure-to-file-penalty] https://www.irs.gov/payments/underpayment-of-estimated-tax-by-individuals-penalty [https://www.irs.gov/payments/underpayment-of-estimated-tax-by-individuals-penalty] https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits [https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits] https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds [https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds] #retirementplanning #taxplanning _______________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Will Your Taxes Go Up or Down in 2026?

Education center: https://bit.ly/4sVDeu9 [https://bit.ly/4sVDeu9] Retirement Plan Checklist: https://bit.ly/4rEy3O9 [https://bit.ly/4rEy3O9] Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1 https://youtu.be/ze1sYnh_VR8?si=rss9H5ct9zwmE8Zo [https://youtu.be/ze1sYnh_VR8?si=rss9H5ct9zwmE8Zo] https://youtu.be/KN5tIHSo3sY?si=N7w_n2iERZyl-FPy [https://youtu.be/KN5tIHSo3sY?si=N7w_n2iERZyl-FPy] https://youtu.be/sACQi2RIEvQ?si=rL90bf2mKSr4cA00 [https://youtu.be/sACQi2RIEvQ?si=rL90bf2mKSr4cA00] Sources: https://www.irs.gov/newsroom/check-your-eligibility-for-the-new-enhanced-deduction-for-seniors [https://www.irs.gov/newsroom/check-your-eligibility-for-the-new-enhanced-deduction-for-seniors] https://v/learn/story/using-tax-brackets-to-manage-your-taxable-income [https://v/learn/story/using-tax-brackets-to-manage-your-taxable-income] https://www.irs.gov/newsroom/questions-and-answers-on-the-net-investment-income-tax [https://www.irs.gov/newsroom/questions-and-answers-on-the-net-investment-income-tax] https://bipartisanpolicy.org/issue-brief/how-the-new-charitable-deduction-floors-work/ [https://bipartisanpolicy.org/issue-brief/how-the-new-charitable-deduction-floors-work/] https://www.irs.gov/newsroom/irs-marks-70th-anniversary-of-april-15-tax-filing-deadline [https://www.irs.gov/newsroom/irs-marks-70th-anniversary-of-april-15-tax-filing-deadline] https://www.modwm.com/how-filing-for-a-tax-extension-works/ [https://www.modwm.com/how-filing-for-a-tax-extension-works/] #retirementplanning #taxplanning _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

How Much Money Should You Save for Retirement by Age?

Education Center: https://bit.ly/3N0r4kt [https://bit.ly/3N0r4kt] Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1 [https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1] https://youtu.be/pHV0kG9xOdc?si=U-p06vNu8QyS1MO1 [https://youtu.be/pHV0kG9xOdc?si=U-p06vNu8QyS1MO1] https://youtu.be/JVOnl_AKQoQ?si=LP8rD2UezYFbjHim [https://youtu.be/JVOnl_AKQoQ?si=LP8rD2UezYFbjHim] https://youtu.be/N8MiXAKTbmc?si=TQSl1xktZ7aHAvLT [https://youtu.be/N8MiXAKTbmc?si=TQSl1xktZ7aHAvLT] https://youtu.be/bubZLJUdIlI?si=DEpuC8Hgv-ilMIJh [https://youtu.be/bubZLJUdIlI?si=DEpuC8Hgv-ilMIJh] https://youtu.be/pFH4T8TA8WI?si=rYGAB7sPMYuWY9Sj [https://youtu.be/pFH4T8TA8WI?si=rYGAB7sPMYuWY9Sj] https://youtu.be/SJJGFC-0vkA?si=CYS5fLvCGzHNzhkn [https://youtu.be/SJJGFC-0vkA?si=CYS5fLvCGzHNzhkn] https://youtu.be/KN5tIHSo3sY?si=F3l_olMQr9kREH6q [https://youtu.be/KN5tIHSo3sY?si=F3l_olMQr9kREH6q] https://youtu.be/eEKbnn8svQ8?si=amJI8ppOjB-Jyjls [https://youtu.be/eEKbnn8svQ8?si=amJI8ppOjB-Jyjls] https://youtu.be/ze1sYnh_VR8?si=PN1z6EzJ1HLEU4a- [https://youtu.be/ze1sYnh_VR8?si=PN1z6EzJ1HLEU4a-] Sources: How much do I need to retire? https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire [https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire] Rightsizing vs. Downsizing: What Are the Differences? https://www.modwm.com/rightsizing-vs-downsizing/ [https://www.modwm.com/rightsizing-vs-downsizing/] How does medical inflation compare to inflation in the rest of the economy? https://www.healthsystemtracker.org/brief/how-does-medical-inflation-compare-to-inflation-in-the-rest-of-the-economy/ [https://www.healthsystemtracker.org/brief/how-does-medical-inflation-compare-to-inflation-in-the-rest-of-the-economy/] #retirementplanning #retirementgoals _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Opportunities for Women in Finance are Growing

Education center: https://bit.ly/3ONy04K [https://bit.ly/3ONy04K] Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1 [https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1] https://youtu.be/SJJGFC-0vkA?si=BYerfilxAOPKkmJc [https://youtu.be/SJJGFC-0vkA?si=BYerfilxAOPKkmJc] Sources: https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-research/womens-initiative/cfp-board_win_web.pdf [https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-research/womens-initiative/cfp-board_win_web.pdf] https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-rese arch/advancing-women-in-financial-planning-cfp-board-2025.pdf [https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-research/advancing-women-in-financial-planning-cfp-board-2025.pdf] https://www.cfp.net/industry-insights/reports-and-statistics/professional-demographics [https://www.cfp.net/industry-insights/reports-and-statistics/professional-demographics] #womeninfinance #financialplanning #jobopportunities _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.